70 Andrew Ct, Lancaster, KY 40444 Property Records

Garrard County property record for 70 Andrew Ct, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · built 2007
Lot Size	1.18 acres (51,401 sqft)
Owner	2 Individual Names on Record
Last Sale	$218,000 (Jun 2018)
Tax Bill	$2,243 (2025)
Deeds & Mortgages	Oct 2025 Second Mortgage Dec 2009 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`11-099.41`

Property Details

APN / Parcel Number

Primary APN	`11-099.41`
Alternative APN	`20152`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Vinyl
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	51,401 sqft (1.18 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	20152
Street Address	70 ANDREW CT
City	LANCASTER
State	KY
Zip	40444-7227
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 41 & HOUSE
Legal Subdivision	CADES COVE
Legal Lot Number	41
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	3
Census Block	3001
Census Tract	970102

Owner

Source: Garrard County records, as of September 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	70 ANDREW CT, LANCASTER, KY 40444-7227
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LOANDEPOT.COM LLC
Dec 4, 2009	Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC DBA BE
Jun 30, 2007	Deed of Trust, Mortgage · Construction Mortgage CENTRAL KENTUCKY FEDERAL SAVINGS BANK
Jun 1, 2018	Deed, Transfer
Dec 4, 2009	Deed, Subdivision Related Transfer
Aug 21, 2009	Deed, Transfer
Jun 3, 2009	Commissioner's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2018 · Amount on Record
Deed Sale	Jun 1, 2018 · Amount on Record
Prior Sale	Dec 4, 2009
Deed Document Number	2018138735
Deed Book / Page	293 / 853
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	70 ANDREW CT, LANCASTER, KY 40444-7227
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M463/195
Date	Oct 3, 2025
Book Page	M463/195
Instrument	199776

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2045

December 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	70 ANDREW CT, LANCASTER, KY 40444-7227
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M296/561
Date	Dec 4, 2009
Book Page	M296/561
Instrument	102310

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC DBA BE
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2039

June 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	70 ANDREW CT, LANCASTER, KY 40444-7227
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 FOX RIDGE DR, LANCASTER, KY 40444-7405

Mortgage

Document Number	00M275/166
Date	Jun 30, 2007
Book Page	M275/166
Instrument	90548

Lender

Name	CENTRAL KENTUCKY FEDERAL SAVINGS BANK
Address	LANCASTER, KY 40444

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jun 29, 2008

June 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Jun 1, 2018
Property Address	70 ANDREW CT, LANCASTER, KY 40444-7227
Document Number	000293/853
Book / Page	293 / 853
Map Reference	PL CAB 3 SL 170
Instrument Date	May 31, 2018
Instrument	138735
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Tax	$218.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	139 LAKE RIDGE DR, LANCASTER, KY 40444-9592

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	70 ANDREW CT, LANCASTER, KY 40444-7227

December 2009: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Dec 4, 2009
Property Address	70 ANDREW CT, LANCASTER, KY 40444-7227
Document Number	000256/844
Book / Page	256 / 844
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

August 2009: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Aug 21, 2009
Property Address	70 ANDREW CT, LANCASTER, KY 40444-7227
Document Number	000255/563
Book / Page	255 / 563
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

June 2009: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	GARRARD KY
Recording Date	Jun 3, 2009
Property Address	70 ANDREW CT, LANCASTER, KY 40444-7227
Document Number	000254/248
Book / Page	254 / 248
Transaction Type	Foreclosure
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Garrard County assessment roll, as of May 5, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Garrard County
Unified School District	Garrard County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$218,000 (-) Land $30,000 Building $188,000	$218,000 (-) Land $30,000 Building $188,000
2025	$2,243.00 (-0.49%)	$218,000 (-) Land $30,000 Building $188,000	$218,000 (-) Land $30,000 Building $188,000
2024	$2,254.00 (-2.84%)	$218,000 (-) Land $30,000 Building $188,000	$218,000 (-) Land $30,000 Building $188,000
2023	$2,320.00 (-0.9%)	$218,000 (-) Land $30,000 Building $188,000	$218,000 (-) Land $30,000 Building $188,000
2022	$2,341.00	$218,000 Land $30,000 Building $188,000	$218,000 Land $30,000 Building $188,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GARRARD CO WATER ASSOC INC private · serves 14,806 people · EPA ID KY0400151
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 85 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL · Fiber in parts of the area	200 / 20
Verizon Fixed Wireless	25 / 6
kywimax Fixed Wireless · not low latency	25 / 5

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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